Ozzie Rabinowitz · Branch Manager

Your home journey,
guided by people who care

Personalized mortgage guidance backed by institutional-grade technology. Every detail handled. Every option explored. Every closing on time.

Apply NowSchedule a Call
NMLS #1975428+ Years ExperienceLicensed in 2 States
30
Recent Loans Closed
28+
Years Experience
4.97★
Average Rating (113 reviews)
Ozzie Rabinowitz — Branch Manager
Ozzie Rabinowitz
Branch Manager · NMLS #19754
Direct(800) 731-1400
Emailorabinowitz@afncorp.com
Meet Your Loan Officer

The mortgage process should feel like a milestone, not a headache.

Ozzie Rabinowitz is a branch manager for American Financial Network in Florida, with over 25 years of experience in the mortgage industry. Known for his professionalism, integrity, and client-first approach, Ozzie has helped thousands of clients achieve their homeownership dreams, earning a reputation as a trusted leader. His mission to "rebuild America, one home at a time" drives his dedication to finding the right solutions for every client, from first-time buyers to seasoned investors. Based in Miami, Florida, Ozzie is passionate about guiding homebuyers through the mortgage process with ease and transparency. Contact Ozzie today via call, text, or email to start your journey home!

Backed by American Financial Network's nationwide lending platform and the most advanced mortgage technology in the industry, I bring institutional resources to a personal relationship.

“My clients don't just get a loan officer. They get a team, a technology platform, and an advocate.”
NMLS #19754
Licensed 2 States
AFN NMLS #237341
A Better Way

Traditional process vs. working with us

Traditional Process
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Phone tag & voicemail
Wait hours or days for a callback from your loan officer
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Manual paperwork
Print, sign, scan, and email stacks of documents
✕
Weekly updates (maybe)
Left wondering where your file stands in the pipeline
✕
45+ day closings
Delays, missing docs, and last-minute surprises
With Ozzie + Sophia
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Instant answers, 24/7
Sophia responds in seconds — Ozzie follows up personally
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Automated document collection
Upload from your phone, AI organizes everything
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Real-time status tracking
Know exactly where your loan stands at every moment
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Faster, predictable closings
Streamlined process means fewer delays and no surprises
Loan Programs

Every option. Your best fit.

◆
Conventional
Traditional financing with competitive rates. As little as 3% down for qualified buyers. Conforming and jumbo options available.
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FHA
Government-backed loans with flexible credit requirements. 3.5% down payment. Ideal for first-time homebuyers building their foundation.
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VA
Zero down payment for eligible veterans and active military. No monthly mortgage insurance. The benefit you've earned.
◆
Jumbo
High-balance loans for premium properties. Competitive rates on loan amounts above conforming limits. Tailored structuring.
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Renovation
Finance the purchase and renovation in a single loan. FHA 203(k) and conventional options. Turn potential into your perfect home.
◆
Non-QM
Bank statement, DSCR, and asset-based programs for self-employed borrowers and investors. Creative solutions for complex scenarios.
Available 24/7

Meet Sophia,
your AI-powered mortgage assistant

Get instant answers, explore loan options, estimate payments, and start your application — any time, day or night. Sophia is backed by Ozzie's expertise and AFN's full lending platform. When you're ready, Ozzie steps in personally.

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Estimate monthly payments based on your actual scenario
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Explore loan programs matched to your situation
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Start your application without waiting for a callback
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Check local market conditions and neighborhood data
S
Sophia
Backed by Ozzie · NMLS #19754
Hi, I'm Sophia — Ozzie's AI-powered mortgage assistant. I can help you explore options, estimate payments, or start your application. What's on your mind?
What can I afford on $120K income?
Based on a $120K annual income, you could qualify for roughly $480K–$540K depending on your debts, down payment, and rate. Want me to run a detailed scenario?
Client Experiences

Trusted by families nationwide

★ ★ ★ ★ ★
Fast response time. Very professional. Would recommend..
Ken Mahony
AFN Client
★ ★ ★ ★
Thank you for everything you did
Yony A M.
Clifton, NJ
★ ★ ★ ★ ★
ozzie did a great job getting everthing done fast and and efficiant with great rates and amazing service !
Mordechai E.
Rahway, NJ
★ ★ ★ ★ ★
Very pleasant experience, always on top of everything. I'm someone that's always busy, needs to prodded a bit, you guys do it in such good emphatic wa
Mordchai K.
Jackson, NJ
★ ★ ★ ★ ★
Ozzie is a real pro! His expertise in the field is obvious! Add to it his care, concern and patience for each client makes him a number one choice for a mortgage broker!!
Kayla L.
Lakewood, NJ
Tools

Payment Calculator

$3,174/mo
P & I$2,528
Prop Tax$500
Ins$146
Afford
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No MI
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30 years
Start My Application

This is not a commitment to lend. Not all borrowers will qualify. Loan approval is subject to credit, underwriting, and program guidelines. Terms and conditions apply. Rates and program availability are subject to change without notice.

Real Estate Partners

Are you a real estate agent?

I provide your clients with a premium lending experience, on-time closings, and 24/7 access to Juliet for instant updates. Let's build a partnership that elevates your business.

Partner With Me
Get in Touch

Ready to get started?

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Ozzie typically responds within 24 hours. No bots, just expert advice.